SAVINGS RATES

Current Savings Rates

Annual Percentage Yield is accurate as of July 1, 2018. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Account Type

Minimum Opening
Deposit

Minimum Balance
to Earn APY

Dividends Paid

Dividend Rate

Annual
Percentage
Yield

Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.

Savings Account

$25.00 - $4,999.99

$25.00

$25.00

Quarterly

0.10%

0.10%

$5,000.00 - $24,999.99

$25.00

$25.00

Quarterly

0.25%

0.25%

Greater than $25,000.00

$25.00

$25.00

Quarterly

0.40%

0.40%

Christmas Club Accounts

-

-

Quarterly

0.25%

0.25%

On Track Checking Accounts

-

-

Monthly

0.10%

0.10%

IRA

-

-

Quarterly

0.70%

0.70%

Certificate of Deposit Accounts
$1,000.00 - $49,999.00

6 Months

$1,000.00

$1,000.00

Monthly

0.41%

0.41%

1 Year

-

-

Monthly

0.50%

0.50%

2 Year

-

-

Monthly

1.15%

1.16%

3 Year

-

-

Monthly

1.35%

1.36%

4 Year

-

-

Monthly

1.65%

1.66%

5 Year

-

-

Monthly

2.25%

2.27%

Certificate of Deposit Accounts
Minimum of $50,000.00

6 Months

$50,000.00

$50,000.00

Monthly

0.45%

0.45%

1 Year

-

-

Monthly

0.55%

0.55%

2 Year

-

-

Monthly

1.25%

1.26%

3 Year

-

-

Monthly

1.55%

1.56%

4 Year

-

-

Monthly

1.75%

1.76%

5 Year

-

-

Monthly

2.45%

2.48%

For additional information regarding the above accounts, please refer to the Fee Schedule.*$1,000.00 Minimum and Dividends Paid Monthly on all Term Share Accounts.Rates current as of July 1, 2018.

SPCO Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 713.455.8586 so we may promptly assist you and remedy any accessibility concerns.

SPCO Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 713.455.8586 so we may promptly assist you and remedy any accessibility concerns.